Systems and Methods Using a Mobile Device to Collect Data for Insurance Premiums

1. A method for collecting and processing vehicle operation data by a mobile device of a user, the method comprising: during a driving session, collecting, by the mobile device of the user, vehicle operation data associated with operation of a vehicle while the vehicle is operating, the vehicle operation data comprising at least one of global positioning system (GPS) data and mobile device position data by one or more integrated sensors or devices in the mobile device; during the driving session and while collecting the vehicle operation data, monitoring, by the mobile device, an orientation of the mobile device changing relative to the vehicle; wherein said step of during the driving session and while collecting the vehicle operation data, monitoring, by the mobile device, the orientation of the mobile device changing relative to the vehicle comprises: analyzing the at least one of GPS data and mobile device position data collected by the one or more integrated sensors or devices during the driving session; based at least on the analysis of the at least one of GPS data and mobile device position data collected by the one or more integrated sensors or devices, automatically determining, by the mobile device, changes in the orientation of the mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected; adjusting, by the mobile device, via execution of a compensation algorithm, at least a portion of the collected vehicle operation data based on the determined changes in the orientation of the mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected; processing, by the mobile device, the automatically adjusted vehicle operation data; and wirelessly transmitting, by the mobile device, the processed vehicle operation data to a remote computer for calculating an insurance premium based on the transmitted data.

2. The method of claim 1 , wherein said user's mobile device is a device selected from the group consisting of a smartphone, a cell phone, a mobile telephone, a personal digital assistant (PDA), a laptop computer, and a tablet-style computer.

3. The method of claim 1 , wherein the step of collecting vehicle operation data by the mobile device comprises sensing a characteristic of the mobile device selected from distance traveled, location, time, and g-force dynamics by one or more sensors associated with the mobile device.

4. The method of claim 1 , wherein the step of collecting vehicle operation data by the mobile device comprises: detecting, by the mobile device, the orientation of the mobile device relative to the vehicle prior to the collection of the vehicle operation data by the mobile device; determining, by the mobile device, whether the detected orientation of the mobile device relative to the vehicle prior to the collection of the vehicle operation data is suitable for vehicle data collection; and initiating, by the mobile device, the collection of the vehicle operation data by the mobile device only if it is determined that the detected orientation of the mobile device is suitable for vehicle data collection.

5. The method of claim 1 , wherein the step of collecting vehicle operation data by the mobile device comprises collecting vehicle operation data periodically during the driving session.

6. The method of claim 1 , wherein the step of wirelessly transmitting the processed vehicle operation data from the mobile device to a remote computer comprises wirelessly transmitting periodically.

7. The method of claim 1 , further comprising loading the driving analysis application onto the user's mobile device prior to the step of collecting the vehicle operation data by executing a driving analysis application.

8. The method of claim 1 , wherein the step of collecting, by the mobile device, vehicle operation data associated with operation of a vehicle while the vehicle is operating comprises beginning to collect the vehicle operation data in response to a triggering event selected from vehicle engine start, threshold vehicle engine RPM, and vehicle mobility.

9. The method of claim 1 , wherein the step of collecting, by the mobile device, vehicle operation data associated with operation of a vehicle while the vehicle is operating comprises stopping collection of the vehicle operation data in response to a triggering event selected from vehicle engine stop, threshold vehicle engine RPM, and vehicle immobility.

10. The method of claim 1 , wherein: the step of processing, by the mobile device, the automatically adjusted vehicle operation data comprises calculating, by the mobile device, one or more driving behavior metrics; and the step of wirelessly transmitting, by the mobile device, the processed vehicle operation data to the remote computer comprises wirelessly transmitting, by the mobile device, the calculated one or more driving behavior metrics to the remote computer.

11. The method of claim 1 , wherein the step of processing, by the mobile device, the automatically adjusted vehicle operation data comprises preparing, by the mobile device, the automatically adjusted vehicle operation data for transmission to the remote computer.

12. A handheld mobile device configured to collect and process vehicle operation data, the handheld mobile device comprising: one or more data collection devices configured to collect, during a driving session, vehicle operation data associated with operation of a vehicle while the vehicle is operating during a driving session, the one or more devices including at least one sensor or device configured to collect at least one of global positioning system (GPS) data and mobile device position data during the driving session; a processor; memory; a driving analysis application stored in the memory and executable by the processor to: monitor an orientation of the mobile device changing relative to the vehicle during the driving session and while the vehicle operation data is being collected by the one or more data collection devices; wherein monitoring the orientation of the mobile device changing relative to the vehicle during the driving session and while the vehicle operation data is being collected by the one or more data collection devices comprises: analyzing the at least one of GPS data and mobile device position data collected by the one or more integrated sensors or devices during the driving session; and based at least on the analysis of the at least one of GPS data and mobile device position data collected by the one or more integrated sensors or devices, automatically determining changes in the orientation of the mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected; adjust, via execution of a compensation algorithm, at least a portion of the collected vehicle operation data based on the determined changes in the orientation of the mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected; and process the automatically adjusted vehicle operation data; and a wireless transmitter configured to wirelessly transmit the processed vehicle operation data to a remote computer for calculating an insurance premium based on the transmitted data.

13. The handheld mobile device of claim 12 , wherein the handheld mobile device is selected from the group consisting of a smartphone, a cell phone, a mobile telephone, a personal digital assistant (PDA), a laptop computer, and a tablet-style computer.

14. The handheld mobile device of claim 12 , wherein the one or more data collection devices configured to collect at least one of distance traveled data and geographic location data.

15. The handheld mobile device of claim 12 , wherein the driving analysis application is further executable by the processor to: detect the orientation of the mobile device relative to the vehicle prior to the collection of the vehicle operation data during the driving session by the mobile device; determine whether the detected orientation of the mobile device relative to the vehicle prior to the collection of the vehicle operation data is suitable for vehicle data collection; and initiate the collection of the vehicle operation data by the mobile device only if it is determined that the detected orientation of the mobile device is suitable for vehicle data collection.

16. The handheld mobile device of claim 12 , wherein the one or more data collection devices are configured to collect vehicle operation data periodically during the driving session.

17. The handheld mobile device of claim 12 , wherein the wireless transmitter is configured to wirelessly transmit the processed vehicle operation data to the remote computer periodically during the driving session.

18. The handheld mobile device of claim 12 , wherein the driving analysis application is executable by the processor to: calculate one or more driving behavior metrics; and cause the wireless transmitter to wirelessly transmit the calculated one or more driving behavior metrics to the remote computer.

19. The handheld mobile device of claim 12 , wherein the driving analysis application is executable by the processor to prepare the automatically adjusted vehicle operation data for transmission to the remote computer.